First Guaranty Bancshares (FGBI) Stock Price, News & Analysis

Company Overview

First Guaranty Bancshares, Inc. is a financial holding company headquartered in Hammond, Louisiana. Through its principal subsidiary, First Guaranty Bank, the company provides a diversified range of commercial and retail banking services. Founded in 1932, First Guaranty Bancshares has grown from a community mutual bank into a publicly traded institution listed on the Nasdaq under the ticker FGBI.

The company’s core business activities encompass traditional deposit products and lending solutions. On the deposit side, First Guaranty Bank offers checking accounts, savings accounts, money market accounts and certificates of deposit designed to meet both personal and business needs. On the lending side, the bank originates commercial real estate loans, construction and development loans, commercial and industrial loans, agribusiness loans and residential mortgage loans. Ancillary services include cash management, online and mobile banking platforms, treasury services and merchant card processing.

First Guaranty Bancshares primarily serves markets in southeastern Louisiana and parts of eastern Texas, leveraging a network of community branch offices to support local businesses, professionals and homeowners. In recent years, the company has selectively expanded its footprint into central Florida, broadening its customer base while maintaining a focus on relationship-driven banking. This regional presence enables the bank to tailor its product offerings to the economic characteristics of each community it serves.

Led by an experienced management team with deep roots in community banking, First Guaranty Bancshares emphasizes personalized service and local decision making. The company’s leadership has pursued prudent growth strategies and maintained a commitment to customer satisfaction, corporate governance and regulatory compliance. This approach underpins First Guaranty Bancshares’ mission to foster economic development in its core markets while delivering value to shareholders and stakeholders alike.

Key Stats

• Today's Range: $8.73 to $8.90
• 50-Day Range: $7.84 to $9.81
• 52-Week Range: $4.31 to $10.07
• Volume: 2,077 shs
• Average Volume: 21,529 shs
• Market Capitalization: $145.34 million
• P/E Ratio: N/A
• Dividend Yield: 0.45%
• Price Target: N/A
• Consensus Rating: Reduce

First Guaranty Bancshares Stock Analysis - MarketRank™

First Guaranty Bancshares scored higher than 62% of companies evaluated by MarketBeat, and ranked 671st out of 881 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Reduce

Consensus Rating

First Guaranty Bancshares has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and 1 sell rating.

Amount of Analyst Coverage

First Guaranty Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 62.50%

Earnings Growth

Earnings for First Guaranty Bancshares are expected to grow by 62.50% in the coming year, from $0.40 to $0.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of First Guaranty Bancshares is -2.75, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of First Guaranty Bancshares is -2.75, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

First Guaranty Bancshares has a P/B Ratio of 0.76. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.18% of the float of First Guaranty Bancshares has been sold short.

Short Interest Ratio / Days to Cover

First Guaranty Bancshares has a short interest ratio ("days to cover") of 3.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in First Guaranty Bancshares has recently increased by 12.88%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

First Guaranty Bancshares has a dividend yield of 0.45%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

First Guaranty Bancshares does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, First Guaranty Bancshares will have a dividend payout ratio of 6.15% next year. This indicates that First Guaranty Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

First Guaranty Bancshares has a news sentiment score of 0.84. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.62 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for First Guaranty Bancshares this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for FGBI on MarketBeat in the last 30 days. This is a decrease of -89% compared to the previous 30 days.

MarketBeat Follows

1 people have added First Guaranty Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 4.8 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

3 insiders have purchased shares of First Guaranty Bancshares in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $3,572,915.00 in company stock, which represents 2.4695% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, First Guaranty Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $3,572,915.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

47.20% of the stock of First Guaranty Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

39.52% of the stock of First Guaranty Bancshares is held by institutions.

Company Calendar

• Record date for 3/31 Dividend: 3/27/2026
• Ex-Dividend for 3/31 Dividend: 3/27/2026
• Dividend Payable: 3/31/2026
• Last Earnings: 4/27/2026
• Today: 5/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FGBI
• CIK: 1408534
• Web: www.fgb.net
• Phone: (985) 345-7685
• Fax: 985-375-0355
• Employees: 490
• Year Founded: 1934

Profitability

• EPS (Trailing Twelve Months): ($3.20)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 22.08
• P/E Growth: N/A
• Net Income: -$56.02 million
• Net Margins: -21.47%
• Pretax Margin: -25.99%
• Return on Equity: -17.06%
• Return on Assets: -0.87%

Debt

• Debt-to-Equity Ratio: 0.97
• Current Ratio: 0.75
• Quick Ratio: 0.75

Sales & Book Value

• Annual Sales: $221.76 million
• Price / Sales: 0.66
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $11.60 per share
• Price / Book: 0.76

Miscellaneous

• Outstanding Shares: 16,460,000
• Free Float: 8,693,000
• Market Cap: $145.34 million
• Optionable: Not Optionable
• Beta: 0.44